| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.3% | +3.0% | -8.3 pts |
| Deposit growth (YoY) | -4.8% | +2.5% | -7.3 pts |
| Loan growth (YoY) | -5.3% | +2.6% | -7.9 pts |
| ROA | 0.95% | 0.99% | -0.0 pts |
| ROE | 4.4% | 8.1% | -3.6 pts |
ROA ranks in the 48th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $81.3M | $56.6M | $73.1M | $18.2M | $403K | 0.95% | 3.30% | 1.53% |
| Q1 2026 | $87.2M | $61.0M | $77.8M | $18.2M | $176K | 0.81% | 3.12% | 1.42% |
| Q4 2025 | $86.5M | $60.1M | $78.4M | $18.0M | $217K | 0.25% | 2.46% | 1.68% |
| Q3 2025 | $84.1M | $57.2M | $76.2M | $18.0M | $147K | 0.23% | 2.39% | 2.04% |
| Q2 2025 | $85.8M | $59.5M | $77.2M | $17.9M | $77K | 0.18% | 2.32% | 1.91% |
| Q1 2025 | $86.7M | $56.5M | $78.0M | $17.8M | $26K | 0.12% | 2.28% | 2.15% |
| Q4 2024 | $87.9M | $55.3M | $79.4M | $18.2M | $58K | 0.07% | 1.86% | 1.68% |
| Q3 2024 | $88.7M | $55.1M | $80.3M | $18.2M | $8K | 0.01% | 1.78% | 1.25% |
Loan mix (Q2 2026): real estate $73.1M · commercial $0 · consumer $422K · securities $2.1M
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.95% | 0.99% | 48th | |
Return on equity Annualized net income ÷ equity or net worth | 4.4% | 8.1% | 30th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.30% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.4% | 70.8% | 27th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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